CWB Pay Review

July 5, 2022

CWB Pay has years of experience in electronic payment processing and payment gateways. Merchants can start accepting credit card payments as fast as 24 hours after signing up with the company. It also has chargeback prevention and protection to protect merchants from shouldering hefty fees.

It prides itself on being a one-stop shop for merchants. Aside from payment processing solutions, it also offers point-of-sale (POS) systems, check processing, and a customer support platform. CWB Pay works with high-risk merchants in the following industries:

  • Gaming
  • Bad credit
  • Nutraceutical
  • Credit repair
  • Telecom
  • Warranty

  • Tech support
  • Travel
  • eBooks
  • Electronics
  • Airlines
  • Adult

CWB Pay has a quick and painless application process. It has a proven platform that helps businesses expand their market reach and services provided. The company also has an experienced staff who helps merchants come up with the best business solutions.


CWB Pay Merchant Services

Credit Card Processing

CWB Pay can process all major debit and credit cards such as Visa, Mastercard, and American Express. For businesses to process these types of payments, they would need a merchant account where these payments will reflect. Businesses must be able to accept card payments for the comfort of their customers.


High-risk Payment Processing

Many high-risk merchants are unable to accept card payments because traditional banks don’t approve of them. CWB Pay can set up merchant accounts for those in the credit repair, gaming, and adult entertainment industries, among others. If you are a high-risk merchant, it’s high time for your business to provide a card payment option to your customers.

Mail Order/Telephone Order

Some customers are uncomfortable using their credit cards online. They would rather place their orders and pay on the phone or via mail. Businesses should be able to provide that option for their customers. They can turn any device—a smartphone or tablet or laptop—into a virtual terminal and accept MOTO.

Payment Gateway

CWB Pay provides a secure payment gateway so merchants can accept local and international payments. The payment gateway will process the transactions and send them to the banks. The banks will then approve the transactions before crediting the amount to the merchant’s account.



CWB Pay Fees, Rates & Pricing

Processing Fees

There is no information about CWB Pay’s processing fees, rates, and pricing. It did say it offers merchant account rates as low as 3.25%.

Additional Fees

There are no reports about CWB Pay charging additional fees, like application or setup fees.

Hidden Charges

There is also no information if CWB Pay has hidden charges.


CWB Pay Complaints

There are no complaints or negative reviews against CWB Pay online.

Rip Off Reports

There are no rip-off reports about CWB Pay.

Other Complaints

There are also no complaints about CWB Pay.



CWB Pay BBB Rating

The Better Business Bureau (BBB) can accredit businesses based on their membership in the association. It also rates businesses based on customer reviews. Payment processing service providers can get a rating as high as A+ or as low as F. CWB Pay is not accredited by the BBB. It also has no listing on the BBB website.

BBB Reviews

Aside from having no rating from the BBB, there are also no customer reviews and complaints about the company.


Is CWB Pay Legitimate?

It is hard to determine if CWB Pay is legitimate because there isn’t much information about it on the internet. Even its website doesn’t give that many details about the company. However, there also seems to be no negative reviews and complaints of fraud about CWB Pay. On its website, CWB Pay said it has been voted the number one high-risk processor by

On ScamAdviser, CWB Pay’s website has a trust score of 85 out of 100. This means that it is safe to browse the website and it doesn’t look like a scam. The high trust rating is based on the website’s existence for quite some years. However, it has a negative review because there is no SSL certificate. ScamAdviser also flagged it for having words referring to multi-level marketing and sports-related betting.


It doesn’t look like CWB Pay is a scam, as there are no scam reports against the company.



There seems to be no class-action lawsuit filed against CWB Pay. However, search engines often confuse CWB Pay with CWB Bank and the Canadian Wheat Board (CWB). Some might find lawsuits relating to the Canadian Wheat Board under the name CWB.


CWB Pay Customer Reviews

Unlike other payment processing service providers, CWB Pay does not publish client testimonials on its website. There are also no reviews on online forums and review sites. Since it is not accredited by BBB, no reviews can be found on the site, too.



CWB Pay does not have a strong presence on the internet. It doesn’t even have a page on LinkedIn or other social media platforms. It is hard to recommend a company with no customer reviews. CWB Pay also did not provide its address and office number. Merchants can reach out to the company via its contact form. However, it is best to proceed with caution when availing of the products and services of this company.

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